Paycheck Budget PlannerMicromedia Digital

Which paycheck pays which bill?

Enter your paydays and bills once. You get what's left from every check, and which payday will come up short, before it happens. Everything stays on this device.

Your answer

Your current paycheck

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A planning tool based on the amounts and dates you enter. Banks can post pay and bills on different days. Not financial advice.

Your paychecks

Your pay

Enter what lands in your account (take-home). This tool never works out taxes.

One-time paychecks

A bonus or a tax refund: a date and an amount.

Your plan

0 means a bill belongs to the paycheck on or before its due date. A higher number pulls bills onto an earlier check.

Your running balance starts from this amount.

Your bills

An estimate is fine for bills that change, like electric.

Edit the category list

Taken from every paycheck

Spending is money for groceries, gas and the like. A set-aside is money you put away from each check. A set-aside is only taken off your paycheck here. This tool doesn't track its balance (the Sinking Funds & Cash Envelope Tracker does that).

How to use it (a few minutes)

  1. Add your pay: what you take home, how often, and your next payday. Add a partner's pay or a side job as another source. Add a bonus or refund as a one-time paycheck.
  2. Add your bills with an amount, a category and how often they're due. Every bill is placed on the paycheck that comes on or before its due date.
  3. Add what you take from every paycheck: spending like groceries and gas, and set-asides like car repairs or Christmas. A set-aside only reduces what's left from each check here. This tool does not track its balance (the Sinking Funds & Cash Envelope Tracker does).
  4. Read the big answer, then open This paycheck. Tick bills as you pay them. If a paycheck is short, you'll see its bills largest first and which earlier paychecks have room.
  5. Need a bill on an earlier check? Use "Move earlier" on that bill. If a pay date or amount is different one time, use "Change this paycheck's date or amount".
  6. Everything saves on this device. Use Export for a backup file, Import to load it on another device, and Print for a one-page plan.

A planning tool based on the amounts and dates you enter. Banks can post pay and bills on different days. Not financial advice.